Commonwealth National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Total risk-based capital ratio: 4.30 percentage points lower than in Q1 2026, at 29.52%. As of Q2 2026, Commonwealth National Bank ranks first in Alabama on CET1 ratio among 36 banks, at 28.27%. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Commonwealth National Bank sits 8.70 points higher, at 28.27% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.27% |
| Tier 1 risk-based capital ratio | 28.27% |
| Total risk-based capital ratio | 29.52% |
| Tier 1 leverage ratio | 13.73% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $10.5M |
| Tier 1 capital | $10.5M |
| Total risk-based capital | $10.9M |
| Total equity capital | $8.8M |
| Risk-weighted assets | $37.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.20% |
| Tangible equity to tangible assets | 11.20% |
| Equity capital to average assets | 11.55% |
| Internal capital growth rate | 0.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $7.8M |
| Retained earnings | $1.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 33.74% | 33.74% | 35.00% | 14.24% | $28.6M |
| Q4 2023 | 37.90% | 37.90% | 39.17% | 15.23% | $27.6M |
| Q1 2024 | 36.13% | 36.13% | 37.39% | 15.88% | $29.5M |
| Q2 2024 | 35.57% | 35.57% | 36.83% | 15.79% | $29.1M |
| Q3 2024 | 34.53% | 34.53% | 35.79% | 15.06% | $30.1M |
| Q4 2024 | 34.98% | 34.98% | 36.23% | 15.48% | $30.0M |
| Q1 2025 | 36.69% | 36.69% | 37.95% | 15.40% | $28.5M |
| Q2 2025 | 33.97% | 33.97% | 35.23% | 15.56% | $30.7M |
| Q3 2025 | 34.15% | 34.15% | 35.41% | 15.63% | $30.4M |
| Q4 2025 | 33.58% | 33.58% | 34.84% | 15.59% | $31.5M |
| Q1 2026 | 32.57% | 32.57% | 33.82% | 14.84% | $32.0M |
| Q2 2026 | 28.27% | 28.27% | 29.52% | 13.73% | $37.0M |
Commonwealth National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commonwealth National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22229) · FFIEC NIC profile (RSSD 578237)